Kobato learns that the loan shark, Okiura, is Sayaka's ex-husband. He tricked Sayaka's dad into taking on a lot of debt. Kobato is worried she won't be able to help. Meanwhile, Fujimoto is softening towards her, because she genuinely seems to care about everyone. We also learn that Fujimoto loves Sayaka, and was an orphan who was taken in by her dad.